Capital One Mortgage Complaint

Capital One Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account Louisiana

We had a Home Equity Loan with Capital One Bank in LA. It was setup that the payments were automatically taken out of our account each month. At end of loan the last payment was NOT withdrawn for balance owed as the amount was lower [ not same amount ] than all the other payments and they did/do not, unbeknownst to us, withdraw from our account. Within 1st wk after payment should have been withdrawn I began trying to contact bank, emails & phone, to find out how and who to contact to see what happened to payment. Took about 3 wks to find person that told me about not withdrawing last payment and took payment information from me to close loan out. I WAS TOLD IT WOULD NOT BE REPORTED AS DELINQUENT. I have recently contacted bank again and was told " we DID NOT report as delinquent, a late payment ''. - is showing this account " 30 days past due ''. Final payment was due in - -. Balance payment was made - - after Final Due Date as it took that long to find someone that knew what happened and was able to assist me in paying off and closing loan. -, - or whoever has caused my Score to drop at least - points. Still good Score but it should be better.